After buying a few houses over the years this is what I do now. I have the home inspection, but I also have a person from HVAC / plumbing / electrical at least come out and look those items over also looking at their input. From my times of using home inspectors they usually only specialize in one thing. That was what they were prior to being a home inspector. I would also recommend a home warranty for the first maybe 2 years then drop it as it covers less every year.
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